Parking lot accidents are more common than many people realize. Whether it’s a minor fender bender or a more serious collision, these accidents can result in property damage, injuries, and disputes over liability. If you’ve been involved in a Florida parking lot accident, it’s important to understand your legal options and how to recover fair compensation for your losses.

Common causes of parking lot accidents
Accidents in parking lots often occur due to distracted driving, speeding, failure to yield, or poorly maintained parking lots. Some of the most common scenarios include:
- Two vehicles colliding while backing out of a parking space
- A driver hitting a parked car
- Pedestrians being struck while walking through a parking lot
- A vehicle running a stop sign or ignoring traffic laws within the lot
- Hit and run accidents where the at fault driver leaves the accident scene
Determining fault in a parking lot accident can be complicated, especially when both parties claim they had the right of way.
Steps to take after a parking lot accident
Taking the right steps immediately after a parking lot accident can help protect your rights and strengthen your case if you need to file an insurance claim or a personal injury lawsuit.
- Report the accident immediately. Even though parking lots are private property, it’s important to notify law enforcement or the property owner if the accident occurred in a business parking lot.
- Exchange contact and insurance information with the other driver and any witnesses.
- Document the accident scene by taking photos and videos of the vehicles involved, the parking space, skid marks, and any visible damages.
- Check for security camera footage if the accident happened in a commercial parking lot. Video evidence can help when determining fault.
- Seek medical attention even if your injuries seem minor. Some injuries, like whiplash, may not be immediately apparent.
- Contact your own insurance company to report the accident and begin the claims process.
- Consult a Florida car accident attorney to explore your legal options if you’ve suffered serious injuries or significant property damage.
Florida’s no fault insurance system and how it affects your claim
Florida follows a no fault insurance system, meaning drivers must carry personal injury protection (PIP) coverage. If you are injured in a parking lot accident, your own insurance policy will cover medical expenses and lost wages, regardless of who caused the accident.
However, if your injuries are severe, such as traumatic brain injuries or spinal damage, you may be able to file a personal injury claim against the at fault driver to recover damages beyond what PIP covers.
Who is liable in a Florida parking lot accident?
Determining fault in parking lot accidents depends on the circumstances. Liability could fall on:
- The at fault driver who was speeding, distracted, or violating traffic laws
- The property owner if a poorly maintained parking lot contributed to the accident
- A pedestrian or cyclist if they were not following traffic laws or signals
If you were injured due to another driver’s negligence or a hazardous condition on the property, an experienced attorney can help you pursue legal action against the responsible party.
Filing an insurance claim or lawsuit after a parking lot accident
If your accident resulted in serious injuries, medical bills, or significant property damage, you may need to take further legal action. Options include:
- Filing an insurance claim – You can file a claim with your own insurance company or the at fault driver’s insurer.
- Pursuing a personal injury lawsuit – If the insurance company denies your claim or offers an unfair settlement, a personal injury attorney can help you seek compensation through legal proceedings.
- Holding a property owner accountable – If hazardous conditions in a parking lot contributed to your accident, you may have grounds for a claim against the property owner.
Compensation available after a parking lot accident
Victims of Florida parking lot accidents may be entitled to fair compensation for:
- Medical expenses, including hospital bills and physical therapy
- Lost wages due to time missed from work
- Property damage to a parked car or other motor vehicles involved
- Pain and suffering from serious injuries
Because insurance companies often try to minimize payouts, working with a personal injury lawyer can help ensure you receive full compensation for your losses.

Speak with a Florida car accident attorney today
Learn more about your legal options after a parking lot accident. Call Lopez & Humphries, P.A. at (863) 709-8500 to schedule your free consultation. You can also reach us anytime through our contact page. Let us help you take the first step toward justice and recovery.
FAQ
What should I do if the at fault driver leaves the scene of a parking lot accident?
If you were involved in a hit and run accident, try to gather evidence such as security camera footage, witness statements, and photos of the damage. Report the accident immediately and contact an attorney to explore your legal options.
Can I sue the property owner if the parking lot was unsafe?
Yes, if a poorly maintained parking lot, such as one with potholes, poor lighting, or unclear markings, contributed to your accident, the property owner may be liable for damages.
How long do I have to file a claim for a parking lot accident in Florida?
Florida law allows four years from the date of the accident to file a personal injury claim. However, it’s best to start the legal process as soon as possible to preserve evidence.
Will a parking lot accident increase my insurance premiums?
If you are found at fault, your insurance premiums may increase. However, if the other driver was responsible, their insurance should cover your damages.
Do I need a lawyer for a minor parking lot accident?
For minor accidents with no injuries, you may be able to handle the claim on your own. However, if you suffered injuries or significant property damage, consulting an experienced attorney can help you secure fair compensation.